Retirement fund calculator and planner: sadha-sopa.com

Total Retirement Corpus You Need¹

Investment strategy for age
{Start Age} to {End Age}
for this corpus

Bucket-1

Bucket-2

Bucket-3

Bucket-4

How to use investment buckets?

Funds for Buckets 1, 2 and 3 should be invested in safe instruments like fixed deposits or debt funds. These should get a return of % per annum.
Bucket-1: use this bucket for recurring monthly expenses. You should withdraw every month from this bucket. Set up a systematic withdrawal plan (SWP) with monthly frequency for this bucket.
Bucket-2: use this bucket for one off annual expenses like vacations or celibrations. You should withdraw every year from this bucket. Set up a systematic withdrawal plan (SWP) with annual frequency for this bucket.
Bucket-3: keep aside this bucket for medical emergencies. Use this bucket only for major medical emergencies.
Bucket-4: this is the 'growth' bucket. Invest this in high return assets like index funds or equity based mutual funds. This bucket should get a return of % per annum. This bucket will fund our next investment cycle.

Result at the end of the investment cycle

Bucket1
0

Bucket2
0

Bucket3

Bucket4

Explanation

Funds from Buckets 1 and 2 will be consumed during the investment cycle for expenses. The buckets will be empty at the end of the cycle.
Funds kept in Bucket-3 will grow at % per annum. This amount should be renewed for the next cycle.
Funds kept in Bucket-4 will grow at % per annum. These should be used as corpus for the next investment cycle.

Fund requirements for age
{Start Age} to {End Age}

Age range	Monthly Recurring Expenses	Annual One-off Expenses	Corpus needed for Monthly Exps	Corpus needed for Annual Exps

Calculation Method:

Monthly recurring and annual one off expenses are calculated based on your current expenses increased as per the inflation rate.
Corpus needed is calculated as sum of the expenses for the entire investment cycle adjusted with inflation rate as well as safe rate of return.

Fund management for rest of the investment cycles

The fund that we invest in Bucket-4 keeps on growing during an investment cycle at Growth Rate. This becomes Corpus available for the next investment cycle. At the begining of the next investment cycle, replenish Bucket-1 and Bucket-2 corpus from the balance in Bucket-4. The remaning balance in Bucket-4 should be kept to grow. Bucket-3 should not be used, and kept to grow as it is, to be used only for medical emergencies.

Calculation Methodology:

1. Total corpus: this is calculates as the present value (PV) of sum the future corpus needs for all the investment cycles.

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Terms of use and Disclaimers:

This calculator is published for educational purposes only. This does not constitute and should not be taken as any kind of financial or investment advise.

Always consult a qualified or authorised financial advisor before taking any major investment decisions.

All financial and investment products have an inherent risk of default and loss, including the loss of the capital.

This calculator is provided without any warranty or claim for fitness of any purpose. This should be used only as a learning tool.

Retirement fund calculator and planner

1. Watch the explainer video (Marathi)

2. Adjust your age, expenses and expectations in this form

Total Retirement Corpus You Need¹

Investment strategy for age
{Start Age} to {End Age}
for this corpus

How to use investment buckets?

Result at the end of the investment cycle

Explanation

Fund requirements for age
{Start Age} to {End Age}

Fund management for rest of the investment cycles

Calculation Methodology:

Terms of use and Disclaimers:

Retirement fund calculator and planner

1. Watch the explainer video (Marathi)

2. Adjust your age, expenses and expectations in this form

Total Retirement Corpus You Need1

Investment strategy for age {Start Age} to {End Age} for this corpus

How to use investment buckets?

Result at the end of the investment cycle

Explanation

Fund requirements for age {Start Age} to {End Age}

Fund management for rest of the investment cycles

Calculation Methodology:

Terms of use and Disclaimers:

Total Retirement Corpus You Need¹

Investment strategy for age
{Start Age} to {End Age}
for this corpus

Fund requirements for age
{Start Age} to {End Age}